Steps to Buying a Home

Everyone dreams of buying their first home. With your first home, it can be a very exciting and the nerves can get to everyone. If you know the expectations during the home buying process you will be more at ease during this lengthy process.

Setting a Budget

Before looking for a house, it is important to know how much house you can afford to buy. Costs to consider include the mortgage down payment, normal monthly expenses like cable, heat and utilities, home property taxes and any insurance costs. These will all have to be considered before buying a home as they are typically included with your mortgage statement. Your credit score determines the interest rate, having knowledge of your credit score ahead of time can help you decide if bluing a new home is affordable or now. An individual’s DTI or debt to income ratio must also fall between a certain level in order to achieve loan approval. After determining these things, and if you feel that buying a new home is in your budget, then its time to start the process!

Getting Pre-Qualified

Looking for a new mortgage, be sure to get several quotes from different banks and mortgage lenders. Banks and mortgage companies will offer different loan points or origination fees so shopping around will save you money. It is important to do your due diligence on the loan officer. After speaking to a few loan officers, you will know which one to choose and many have different years of experience which will be obvious over the phone or in person. When locking your rate, go online to make sure your getting the daily rate and its consistent what other banks and mortgage companies are offering. Rates will determine how much a home mortgage will cost monthly.

Finding The Right Home For You And Your Family

Once you have been qualified for a home mortgage, it’s time to locate the home you have always been looking for. First, locate a Real Estate Agent. Not just any Real Estate Agent will do. Make sure you have an expert realtor who has been around for a while and is knowledgeable about the area you are moving to. A well seasoned Realtor often times has seen many of the homes in your area on the market before and can help you spot a potential money pit before you buy it. Ensure that you make a list of needs and wants taking into consideration the amount of bedrooms you will require now and in the future, amenities, location and asking price. Remember, the first home you visit might be beautiful, but you should visit many homes before making a final decision.

Offer A Price

Typically, sellers try to to cushion their final sales price to leave room for negotiation. Buyer’s bid for a lower price, and typically the seller will counter the offer in the middle. Your real estate agent will take in consideration any issues concerning the property and make suggestions on financial compensation toward the sales price in the negotiation. Listen to your real estate agent closely because they do this everyday for a living. The average buyer only buys a home once every 7 years or so. An experienced Realtor will be able to help you negotiate a lower price that sometimes includes more money for closing costs. Their job is to be your advocate in the home buying process.

Home Inspections

Getting a home inspection is a vital part of the home buying process. These inspections ensure that the home’s foundation, ceiling, heating, electrical system, walls, plumbing and entryways are up to certain standards. Sometimes the bank will require a home inspection however; many times they leave it to the buyer to purchase their own. It is extremely important to protect yourself by getting a home inspection right away. You typically have 10 days from an accepted offer to get the home inspected. Many buyers have been saved from disaster by taking the time to spend the extra $200 – $400 to get a home inspection only to find out the house has major problems allowing them to back out of the contract before it is too late.

Home Owners Insurance Is Required

Mortgage Banks and Mortgage Lenders normally require that you purchase homeowner insurance for your new home. Homeowner’s policies will replace the costs to fix any damages that might happen to the home. The cost of how owners insurance is dependent on a home’s age, where the property is located and the home insurance company you choose. Like with the mortgage company be sure to get several quotes.

Closing

Before you can move into your new home, there is a closing process between the buyer and the seller. You must sign all the legal documents to transfer the title into your name and pay any closing costs or down payment that is owed. Once this is complete, the keys to your new house are given to you! You can move into your new home as soon as this is complete.

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226 Jenna Lee Cir Madison, TN 37115

Price $144,900
Beds 2
Baths 3
Living Area SqFt 1,190
Status Active Under Contract
MLS # 1870060
Property Type Condo
 

129 Lakebrink Dr Nashville, TN 37214

Price $144,900
Beds 2
Baths 2
Living Area SqFt 1,156
Status Active Under Contract
MLS # 1870860
Property Type Condo
 

3147 Justin Towne Ct Antioch, TN 37013

Price $144,900
Beds 2
Baths 2
Living Area SqFt 1,166
Status Active Under Contract
MLS # 1864487
Property Type Residential
 

1212 Massman Nashville, TN 37217

Price $143,900
Beds 2
Baths 2
Living Area SqFt 1,024
Status Active
MLS # 1867535
Property Type Condo
 

1382 Rural Hill #115 Antioch, TN 37013

$143,600 - 2Br/3Ba -  for Sale in Autumn Ridge, Antioch
New
Price $143,600
Beds 2
Baths 3
Living Area SqFt 1,248
Status Active
MLS # 1873176
Property Type Condo
 

4101 Main St Old Hickory, TN 37138

Price $142,900
Beds 2
Baths 1
Living Area SqFt 770
Status Active Under Contract
MLS # 1826939
Property Type Residential
 

2197 Nolensville Pike Apt 103 Nashville, TN 37211

Price $140,000
Baths 1
Living Area SqFt 510
Status Active Under Contract
MLS # 1865797
Property Type Condo
 
 

125 Mcmurray Cir Nashville, TN 37211

Price $140,000
Beds 2
Baths 2
Living Area SqFt 1,106
Status Active
MLS # 1872228
Property Type Condo
 

2833 Claylick Rd Whites Creek, TN 37189

Price $140,000
Beds 2
Baths 2
Living Area SqFt 1,504
Status Active
MLS # 1866091
Property Type Residential
 

1010 Heritage Dr Madison, TN 37115

Price $139,900
Beds 3
Baths 3
Living Area SqFt 1,812
Status Active
MLS # 1865735
Property Type Condo
 

3216 Lakeford Dr Nashville, TN 37214

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,275
Status Active Under Contract
MLS # 1821231
Property Type Residential
 

2403 Stivers St Nashville, TN 37218

Price $139,900
Beds 2
Baths 1
Living Area SqFt 1,140
Status Active Under Contract
MLS # 1861629
Property Type Residential
 

1016 Mallow Dr Madison, TN 37115

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,050
Status Active Under Contract
MLS # 1862665
Property Type Residential
 

3142 Justin Towne Ct Antioch, TN 37013

Price $139,900
Beds 3
Baths 2
Living Area SqFt 1,066
Status Active Under Contract
MLS # 1865500
Property Type Residential
 

129 Tomarand Rd Antioch, TN 37013

Price $139,900
Beds 3
Baths 1
Living Area SqFt 1,100
Status Active Under Contract
MLS # 1869285
Property Type Residential
 

663 E Old Hickory Blvd Madison, TN 37115

Price $139,900
Beds 2
Baths 2
Living Area SqFt 894
Status Active
MLS # 1870051
Property Type Residential
 

2800 Greer Goodlettsville, TN 37072

Price $139,000
Beds 3
Baths 2
Living Area SqFt 1,624
Status Active Under Contract
MLS # 1842240
Property Type Residential
 

123 Five Oaks Dr Nashville, TN 37217

Price $138,900
Beds 2
Baths 2
Living Area SqFt 1,102
Status Active Under Contract
MLS # 1864262
Property Type Condo
 

5510 Country Dr Apt 55 Nashville, TN 37211

Price $137,900
Beds 3
Baths 3
Living Area SqFt 1,392
Status Active Under Contract
MLS # 1871712
Property Type Condo
 

323 Timberway Cir Nashville, TN 37214

Price $135,000
Beds 2
Baths 3
Living Area SqFt 1,174
Status Active Under Contract
MLS # 1856370
Property Type Condo
 

1512 Denise Court Antioch, TN 37013

$135,000 - 3Br/1Ba -  for Sale in Cherokee Hills, Antioch
New
Price $135,000
Beds 3
Baths 1
Living Area SqFt 1,025
Status Active
MLS # 1872613
Property Type Residential
 

3256 Luann Dr Antioch, TN 37013

Price $134,900
Beds 2
Baths 2
Living Area SqFt 1,276
Status Active
MLS # 1872129
Property Type Residential
 

4000 Anderson Rd Apt 50 Nashville, TN 37217

Price $130,000
Beds 3
Baths 3
Living Area SqFt 1,764
Status Active Under Contract
MLS # 1855163
Property Type Condo
 

1604 B 12th Ave N Nashville, TN 37208

Price $130,000
Beds 2
Baths 1
Living Area SqFt 672
Status Active
MLS # 1852549
Property Type Residential
 

810 Bellevue Rd Apt 184 Nashville, TN 37221

Price $129,900
Beds 2
Baths 2
Living Area SqFt 1,058
Status Active Under Contract
MLS # 1848487
Property Type Condo
 

2833 Lake Forest Dr Nashville, TN 37217

Price $129,900
Beds 3
Baths 2
Living Area SqFt 1,240
Status Active
MLS # 1865712
Property Type Condo
 

1508 Meridian St Nashville, TN 37207

Price $129,900
Beds 2
Baths 1
Living Area SqFt 1,184
Status Active Under Contract
MLS # 1715086
Property Type Residential
 

1610 23rd Ave N Nashville, TN 37208

Price $129,900
Beds 3
Baths 2
Living Area SqFt 1,080
Status Active Under Contract
MLS # 1868959
Property Type Residential
 

1012 Heritage Dr Madison, TN 37115

Price $129,000
Beds 2
Baths 2
Living Area SqFt 1,320
Status Active
MLS # 1856109
Property Type Condo
 

2809 Lake Forest Dr Nashville, TN 37217

Price $128,900
Beds 3
Baths 2
Living Area SqFt 1,220
Status Active
MLS # 1871249
Property Type Condo
 

240 Timberway Dr Nashville, TN 37214

$127,900 - 2Br/3Ba -  for Sale in Timber Lake, Nashville
New
Price $127,900
Beds 2
Baths 3
Living Area SqFt 1,160
Status Active Under Contract
MLS # 1873248
Property Type Condo
 

674 Mercer Dr Hermitage, TN 37076

Price $127,900
Beds 2
Baths 2
Living Area SqFt 1,100
Status Active Under Contract
MLS # 1865411
Property Type Residential
 

852 Denson Ave Madison, TN 37115

Price $125,000
Beds 1
Baths 1
Living Area SqFt 755
Status Active Under Contract
MLS # 1841572
Property Type Residential
 

309 Warrior Rd Madison, TN 37115

Price $125,000
Beds 3
Baths 2
Living Area SqFt 1,083
Status Active
MLS # 1860171
Property Type Residential
 

4422 Ashland City Hwy Nashville, TN 37218

Price $125,000
Beds 3
Baths 1
Living Area SqFt 1,280
Status Active Under Contract
MLS # 1867980
Property Type Residential
 

510 Maxine Dr Antioch, TN 37013

Price $124,944
Beds 2
Baths 1
Living Area SqFt 728
Status Active
MLS # 1871302
Property Type Residential
 

5510 Country Dr Apt 8 Nashville, TN 37211

Price $124,900
Beds 2
Baths 2
Living Area SqFt 1,218
Status Active
MLS # 1863882
Property Type Condo
 

697 Long Hunter Ct Nashville, TN 37217

Price $124,900
Beds 3
Baths 4
Living Area SqFt 1,914
Status Active Under Contract
MLS # 1871236
Property Type Condo
 

2031 Nashboro Blvd Nashville, TN 37217

Price $124,900
Beds 2
Baths 2
Living Area SqFt 1,278
Status Active Under Contract
MLS # 1871624
Property Type Condo
 

420 Elysian Fields Rd Apt E2 Nashville, TN 37211

$124,900 - 2Br/2Ba -  for Sale in Village At Grassmere, Nashville
New
Price $124,900
Beds 2
Baths 2
Living Area SqFt 936
Status Active
MLS # 1873120
Property Type Condo
 

Search For Homes | Search Schools | Find Your Home Value | Locate Your Family’s Lifestyle

This High Tech Website will help you locate and find the Davidson County TN homes for sale you desire. You can start your search by looking through all the Davidson County Homes For Sale By Price. We also provide you with your current home value through our instant home value tool for free, check instant home values by your city, town or even your neighborhood. We understand finding the right home for sale is important to you and your family so we have separated Davidson County TN Zip Codes  to make it easier for you to search in the exact location you want to live. You might be searching for Davidson County Homes By Type. This would include all Davidson County Condos and Davidson County Town Homes. Our site also features all Davidson County Homes By Schools, here you will be able to search all homes for sale by the school year your child is attending, private or public, and it even includes all of the schools contact information for enrollment information.

Davidson County Lifestyle also plays a big role choosing a home for you and your family. Our Team understands this more than most so we have built this entire site to focus around the lifestyle you and your family want to live. We Are Here To Serve YOU!

amanda-cotton4

Amanda Cotton

Amanda entered the real estate industry prepared and focused. Her background as a paralegal gives her the knowledge and expertise needed for understanding and explaining contracts, and confidence in the negotiation process. Aside from the legal background, her love of people, families, and community are the same building blocks for her business. She vows to treat her clients as friends. Your concerns are her concerns. Your worries are her worries. And, most importantly, your dream of homeownership is her business.

There are over 300 steps in a real estate transaction, and with Amanda, you don’t have to worry about a single one. She has you covered. She specializes in first time homebuyers, sellers, and VA and is a multi-million dollar producer. She has won several awards since her career began, and is determined to make your experience the best imaginable.

To Amanda, you aren’t just a closing, you are a friend and she’ll be there from beginning to end.

Awards

2014 EMTAR Silver Award of Excellence Recipient

2015 EMTAR Platinum Award of Excellence Recipient
Remax 100% Club Award Recipient

Testimonials

"Best Agent in the area. Aggressive and will go the extra mile to find you your dream home." ~David

"As you know, becoming a first time home owner isn't the easiest thing in the world.. But Amanda guided us through the whole process and made it feel almost easy! She treats her clients like family and made us feel completely comfortable with us making this huge decision. The market is pretty slim right now, but thanks to Amanda's knowledge and expertise we were able to land the home of our dreams! We can and will recommend her to anyone buying or selling their home." ~Megan

"Very professional and great company. Will recommend to everyone." ~Terry